Bank of America's ABA routing number depends on which state your account is in
Bank of America does not use a single routing number for all customers. The ABA routing number — the nine-digit code that identifies your bank during a wire transfer — changes based on the state where your account was opened or is maintained. If you're sending or receiving a wire, you need the routing number that matches your account's home state, not the state where you live now.
The most common Bank of America routing numbers are 011000015 (for many states) and 121000248 (for California and Nevada accounts). However, Bank of America maintains separate routing numbers for accounts opened in different regions. Using the wrong one will delay your wire or cause it to be rejected entirely.
Key Takeaways
- Bank of America's ABA routing number is 011000015 for most states, but California and Nevada accounts use 121000248.
- The correct routing number depends on the state where your account was opened, not where you currently live.
- You can find your specific routing number by logging into your online account, calling Bank of America's customer service, or checking your checks.
- Wire transfers require the exact routing number — using the wrong one will cause delays or rejection.
- Bank of America also has separate routing numbers for business accounts and certain account types, so confirm with the bank if the standard number doesn't work.
How to find your routing number in your Bank of America account
The fastest way to confirm your routing number is to log into your Bank of America online account or mobile app. Look for the account details or account information section — most banks display the routing number alongside your account number. This method guarantees you have the number tied to your specific account.
If you have checks from your Bank of America account, the routing number appears in the bottom left corner, printed as the first nine digits before your account number. This is reliable because the check was printed for your specific account and state.
The two most common Bank of America routing numbers
The routing number 011000015 covers Bank of America accounts in most U.S. states, including Texas, Florida, New York, Illinois, Pennsylvania, Ohio, Georgia, North Carolina, and many others. If your account was opened in any of these states, this is almost certainly your routing number.
The routing number 121000248 is used for accounts opened in California and Nevada. If your account is based in either of these states, use this number for wire transfers.
Bank of America also maintains routing numbers for specific regions and account types. If you're wiring to or from a business account, a trust account, or an account opened in a less common state, the number may differ. When in doubt, call Bank of America directly or check your account online rather than guessing.
Calling Bank of America to confirm your routing number
You can reach Bank of America's customer service at 1-800-432-1000 to confirm your routing number. Have your account number ready. The representative will tell you the exact routing number for your account based on where it was opened.
This is the safest option if you're uncertain or if you have an older account that may have been transferred between regions. A wire sent with the wrong routing number can take days to bounce back, so a two-minute phone call is worth the time.
Why the routing number matters for wire transfers
The ABA routing number tells the Federal Reserve and the receiving bank which Bank of America branch or processing center should handle your wire. If you provide the wrong number, the wire may be sent to a different bank entirely, rejected by the receiving bank, or delayed while the system tries to correct the error.
Unlike a transfer within Bank of America (which only needs your account number), a wire transfer to another bank requires both the routing number and the account number to work. The routing number is the address; the account number is the mailbox. Without the correct address, the mail doesn't arrive.
Routing number versus account number: what's the difference
The routing number identifies the bank or branch. Bank of America's routing number tells the receiving bank that the money is coming from Bank of America. The account number identifies your specific account within that bank. Together, they direct the wire to the right place.
When you send a wire, you provide both numbers to your bank. When you receive a wire, you give the sender your routing number and account number so they can send it to you. Mixing them up or transposing digits will cause the wire to fail.
What to do if your wire is rejected or delayed
If a wire you sent was rejected, the most common cause is an incorrect routing number. Contact Bank of America and provide the details of the wire (the amount, the date you sent it, and the recipient's name). The bank can trace the wire and tell you whether it was rejected or is still in process.
If you're receiving a wire and it hasn't arrived, confirm with the sender that they used the correct routing number and account number. Ask them to check their bank's record of the wire to see if it shows as sent. If it was sent to the wrong routing number, the receiving bank may be able to redirect it, but this takes time and isn't always possible.
Frequently Asked Questions
Is the routing number on my Bank of America check the same as the one I use for wire transfers?
Yes. The nine-digit number in the bottom left corner of your check is your ABA routing number and is the correct number to use for wire transfers. Checks are printed with the routing number specific to your account's state, so it's always accurate.
Can I use the same routing number for all Bank of America accounts I have?
Not necessarily. If you have multiple accounts opened in different states, each may have a different routing number. Check each account individually or call Bank of America to confirm. Most people have only one routing number, but it's worth verifying if you have accounts in multiple states.
What if I send a wire with the wrong routing number?
The wire will likely be rejected by the receiving bank or sent to the wrong institution. Contact Bank of America immediately with the wire details. They can attempt to trace it and may be able to recover the funds, but this can take several days. Always confirm the routing number before sending a large wire.
Do I need a different routing number for international wire transfers?
No. Your Bank of America ABA routing number is used for domestic U.S. wire transfers. For international wires, you'll also need Bank of America's SWIFT code, which is BOFAUS3N. Ask your bank for the complete wire instructions for the country you're sending to.
Why does Bank of America have multiple routing numbers?
Routing numbers were originally assigned by region when the banking system was decentralized. Bank of America maintains separate numbers for different states because of how the Federal Reserve's routing system was structured. Modern banking could use a single number, but the system hasn't changed for historical and operational reasons.